1838 Central Ave, Dubuque, IA 52001 Property Records

Dubuque County property record for 1838 Central Ave, Dubuque, IA 52001

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,568 sqft · built 1900
Lot Size	0.06 acres (2,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Feb 2025)
Tax Bill	$1,752 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-256-005`

Property Details

APN / Parcel Number

Primary APN	`10-24-256-005`

Interior

Stories	3 Stories
Building Area	5,568 sqft Gross Area
1st Floor Area	900 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	2,600 sqft (0.06 acres)
Porch	Slab

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1838 CENTRAL AVE
City	DUBUQUE
State	IA
Zip	52001-3609
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CI
Legal Description	S 26' - M 1/5 - CITY LOT 436
Legal Range	02E
Legal Township	89N
Legal Section	24
Legal Subdivision	CITY OF DUBUQUE
Legal Lot Number	436
Jurisdiction	DUBUQUE IA
Township / Civil Division	DUBUQUE
Census Block Group	4
Census Block	4021
Census Tract	500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Upper Central Avenue Commercial Historic District listed 2012 · 57 contributing resources · NRIS 12000793

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Dubuque County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1838 CENTRAL AVE, DUBUQUE, IA 52001-3609
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2019	Deed of Trust, Mortgage BELLEVUE STATE BANK
Mar 11, 2020	Deed of Trust, Mortgage BELLEVUE STATE BANK
Jul 16, 2019	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY
Apr 9, 2018	Warranty Deed, Transfer BELLEVUE STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Jan 3, 2013 · Amount on Record
Deed Document Number	20251963
Prior Transfer Date	Aug 27, 2012
Prior Transfer Doc	0000019016
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1838 CENTRAL AVE, DUBUQUE, IA 52001-3609
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009947
Date	Aug 28, 2019
Instrument	2019-00009947

Lender

Name	BELLEVUE STATE BANK
Type	Bank
Address	BELLEVUE, IA 52031

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1838 CENTRAL AVE, DUBUQUE, IA 52001-3609
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002923
Date	Mar 11, 2020
Instrument	2020-00002923

Lender

Name	BELLEVUE STATE BANK
Type	Bank
Address	BELLEVUE, IA 52031

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	1838 CENTRAL AVE, DUBUQUE, IA 52001-3609
Document Number	0000008748
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1838 CENTRAL AVE DUBUQUE IA 520013609, DUBUQUE, IA 52001-3609

Mortgage

Document Number	0000008748
Date	Aug 7, 2019
Instrument	8748

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DUBUQUE, IA 52001

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 6, 2029

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DUBUQUE IA
Recording Date	Apr 9, 2018
Property Address	1838 CENTRAL AVE, DUBUQUE, IA 52001-3609
Document Number	0000003601
Instrument Date	Apr 9, 2018
Instrument	2018-00003601
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 JACKSON ST APT 102, 102, DUBUQUE, IA 52001-4947

Mortgage

Document Number	0000003602
Date	Apr 9, 2018
Instrument	2018-00003602

Lender

Name	BELLEVUE STATE BANK
Type	Bank
Address	BELLEVUE, IA 52031

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Dubuque City
Unified School District	Dubuque Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,752.00 (+23.03%)	$262,900 (+271.85%) Land $21,100 Building $241,800	$262,900 (+15.97%) Land $21,100 Building $241,800
2024	$1,424.00 (+12.66%)
2023		$70,700 (+45.47%) Land $18,700 Building $52,000	$226,700 (+23.04%)
2022	$1,264.00	$48,600 Land $18,720 Building $29,880
2021			$184,250

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2002)
Most Recent Claim	Jun 2002 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2002 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DUBUQUE WATER WORKS serves 59,667 people · EPA ID IA3126052
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 685 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Comelec Internet Services.

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